TLHIX vs. SCHD
Compare and contrast key facts about TIAA-CREF Lifecycle Index 2030 Fund (TLHIX) and Schwab U.S. Dividend Equity ETF (SCHD).
TLHIX is managed by TIAA Investments. It was launched on Sep 29, 2009. SCHD is a passively managed fund by Charles Schwab that tracks the performance of the Dow Jones U.S. Dividend 100 Index. It was launched on Oct 20, 2011.
Performance
TLHIX vs. SCHD - Performance Comparison
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TLHIX vs. SCHD - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | |
|---|---|---|---|---|---|---|---|---|---|---|
TLHIX TIAA-CREF Lifecycle Index 2030 Fund | -2.76% | 15.76% | 10.59% | 15.54% | -15.72% | 11.65% | 14.76% | 21.35% | -5.07% | 14.88% |
SCHD Schwab U.S. Dividend Equity ETF | 12.79% | 4.34% | 11.66% | 4.54% | -3.26% | 29.87% | 15.03% | 27.29% | -5.56% | 20.85% |
Returns By Period
In the year-to-date period, TLHIX achieves a -2.76% return, which is significantly lower than SCHD's 12.79% return. Over the past 10 years, TLHIX has underperformed SCHD with an annualized return of 8.14%, while SCHD has yielded a comparatively higher 12.31% annualized return.
TLHIX
- 1D
- 0.00%
- 1M
- -5.92%
- YTD
- -2.76%
- 6M
- -0.61%
- 1Y
- 11.82%
- 3Y*
- 10.84%
- 5Y*
- 5.73%
- 10Y*
- 8.14%
SCHD
- 1D
- 0.66%
- 1M
- -2.61%
- YTD
- 12.79%
- 6M
- 14.49%
- 1Y
- 13.97%
- 3Y*
- 12.05%
- 5Y*
- 8.44%
- 10Y*
- 12.31%
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TLHIX vs. SCHD - Expense Ratio Comparison
TLHIX has a 0.10% expense ratio, which is higher than SCHD's 0.06% expense ratio. However, both funds are considered low-cost compared to the broader market, where average expense ratios usually range from 0.3% to 0.9%.
Return for Risk
TLHIX vs. SCHD — Risk / Return Rank
TLHIX
SCHD
TLHIX vs. SCHD - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for TIAA-CREF Lifecycle Index 2030 Fund (TLHIX) and Schwab U.S. Dividend Equity ETF (SCHD). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| TLHIX | SCHD | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 1.21 | 0.89 | +0.32 |
Sortino ratioReturn per unit of downside risk | 1.74 | 1.35 | +0.40 |
Omega ratioGain probability vs. loss probability | 1.26 | 1.19 | +0.07 |
Calmar ratioReturn relative to maximum drawdown | 1.49 | 1.19 | +0.30 |
Martin ratioReturn relative to average drawdown | 6.77 | 3.99 | +2.78 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| TLHIX | SCHD | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 1.21 | 0.89 | +0.32 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | 0.57 | 0.59 | -0.02 |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.74 | 0.74 | 0.00 |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.72 | 0.84 | -0.12 |
Correlation
The correlation between TLHIX and SCHD is 0.81, which is considered to be high. That indicates a strong positive relationship between their price movements. Having highly-correlated positions in a portfolio may signal a lack of diversification, potentially leading to increased risk during market downturns.
Dividends
TLHIX vs. SCHD - Dividend Comparison
TLHIX's dividend yield for the trailing twelve months is around 4.32%, more than SCHD's 3.44% yield.
| TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
TLHIX TIAA-CREF Lifecycle Index 2030 Fund | 4.32% | 4.20% | 3.62% | 2.44% | 2.82% | 3.21% | 2.06% | 2.25% | 2.68% | 0.14% | 2.49% | 0.25% |
SCHD Schwab U.S. Dividend Equity ETF | 3.44% | 3.82% | 3.64% | 3.49% | 3.39% | 2.78% | 3.16% | 2.98% | 3.06% | 2.63% | 2.89% | 2.97% |
Drawdowns
TLHIX vs. SCHD - Drawdown Comparison
The maximum TLHIX drawdown since its inception was -23.86%, smaller than the maximum SCHD drawdown of -33.37%. Use the drawdown chart below to compare losses from any high point for TLHIX and SCHD.
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Drawdown Indicators
| TLHIX | SCHD | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -23.86% | -33.37% | +9.51% |
Max Drawdown (1Y)Largest decline over 1 year | -7.32% | -12.74% | +5.42% |
Max Drawdown (5Y)Largest decline over 5 years | -22.15% | -16.85% | -5.30% |
Max Drawdown (10Y)Largest decline over 10 years | -23.86% | -33.37% | +9.51% |
Current DrawdownCurrent decline from peak | -6.15% | -2.89% | -3.26% |
Average DrawdownAverage peak-to-trough decline | -3.52% | -3.34% | -0.18% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 1.62% | 3.89% | -2.27% |
Volatility
TLHIX vs. SCHD - Volatility Comparison
TIAA-CREF Lifecycle Index 2030 Fund (TLHIX) has a higher volatility of 3.31% compared to Schwab U.S. Dividend Equity ETF (SCHD) at 2.40%. This indicates that TLHIX's price experiences larger fluctuations and is considered to be riskier than SCHD based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| TLHIX | SCHD | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 3.31% | 2.40% | +0.91% |
Volatility (6M)Calculated over the trailing 6-month period | 5.69% | 7.96% | -2.27% |
Volatility (1Y)Calculated over the trailing 1-year period | 9.94% | 15.74% | -5.80% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 10.19% | 14.40% | -4.21% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 11.07% | 16.70% | -5.63% |